BlastPoint's Credit Union Scorecard

VELOCITY COMMUNITY

Charter #12458 · FL

100M-500M

1069 CUs in 100M-500M nationally 35 in FL

VELOCITY COMMUNITY has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Net Interest Margin 0.16% above tier average
+ Total Assets: Top 1.7% in tier
+ Total Deposits: Top 1.7% in tier
+ Total Loans: Top 2.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.34% below tier average
- Efficiency ratio 4.68% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	25,159 +1.4% YoY+0.0% QoQ	+9.7K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	Top 12.7% in tier
Assets	$484.8M +0.8% YoY+0.8% QoQ	+$253.0M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	Top 1.8% in tier
Loans	$338.6M +10.1% YoY+0.6% QoQ	+$191.3M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	Top 2.5% in tier
Deposits	$419.0M +0.4% YoY+1.1% QoQ	+$218.2M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	Top 1.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -61.7% YoY-14.4% QoQ	-0.3%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	26%
NIM	3.8% +13.2% YoY+0.7% QoQ	+0.2%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	81.7% +14.3% YoY+2.7% QoQ	+4.7%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	0.7% +103.2% YoY+63.7% QoQ	-0.2	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	50%
Loan To Share	80.8% +9.7% YoY-0.5% QoQ	+8.6%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	66%
AMR	$30,112 +3.1% YoY+0.8% QoQ	+$5K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	82%
CD Concentration	18.1% +3.7% YoY+0.4% QoQ	-6.3%	24.4%	24.1%	19.8%	50%
Indirect Auto %	16.7% +30.7% YoY+1.6% QoQ	+2.9%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#203 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.06%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.5K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#58 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.05%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#196 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Flatlined Growth

risk

#20 of 41 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.81%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.42%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Efficiency Drag

risk

#459 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.69%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.68% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.37%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#499 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.81%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 16.70%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.37%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

Total Assets

balance_sheet

Value: $484.82M

Peer Median: -

#19 of 1069 Top 1.7% in 100M-500M tier

Total Deposits

balance_sheet

Value: $418.96M

Peer Median: -

#19 of 1069 Top 1.7% in 100M-500M tier

Total Loans

balance_sheet

Value: $338.64M

Peer Median: -

#27 of 1069 Top 2.4% in 100M-500M tier

136

Total Members

engagement

Value: 25,159

Peer Median: -

#136 of 1069 Top 12.6% in 100M-500M tier

169

Loan Growth Rate

growth

Value: 10.05%

Peer Median: -

#169 of 1069 Top 15.7% in 100M-500M tier

179

Loan-to-Member Ratio (LMR)

engagement

Value: $13,460

Peer Median: -

#179 of 1069 Top 16.7% in 100M-500M tier

189

Average Member Relationship (AMR)

engagement

Value: $30,112

Peer Median: -

#189 of 1069 Top 17.6% in 100M-500M tier

219

First Mortgage Concentration (%)

balance_sheet

Value: 14.97%

Peer Median: -

#219 of 1069 Top 20.4% in 100M-500M tier

Top Weaknesses (2 metrics)

866

Deposit Growth Rate

growth

Value: 0.36%

Peer Median: -

#866 of 1069 Bottom 19.1% in 100M-500M tier

865

Asset Growth Rate

growth

Value: 0.81%

Peer Median: -

#865 of 1069 Bottom 19.2% in 100M-500M tier